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The All-Weather Retirement Portfolio: Your Post-Retirement Investment Guide to a Worry-Free Income for Life Kindle Edition

4.5 4.5 out of 5 stars 358 ratings

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You can have it all- not just more income to spend in your retirement years but also the peace of mind that comes from knowing that, no matter what happens in the outside world, you’ll be on your way to a worry-free income for life.

In this book you'll find:

  • Ten steps to build a portfolio that will survive the perfect financial storm, so you can stop worrying about the economy, the political climate, the latest financial catastrophe, and what the market did today, this week, this month, or this year
  • Two questions you must answer before you invest another dime
  • Why investing after you retire is radically different from investing while you're still working
  • The life expectancy of six key investments-and how to use these and others to build a portfolio that will generate income longer than any single investment on its own
  • The three essential questions you must ask a financial advisor before you hire one
  • The exact amount of income you can take to make the most of your retirement without worry or guilt, knowing you've applied the best available research to generate income for the rest of your life

Editorial Reviews

Review

Thurman wrote in an orderly, thought-provoking, and persuasive manner. It was also exceptionally well edited. I rate it 4 out of 4 stars and recommend it to current and future retirees.
-OnlineBookClub.org

Reading this book feels like, as the reader, I am speaking with the author during a private consultation.
- Reedsy Discovery

A firm, friendly must-read for readers in their later years.
-Kirkus Reviews

About the Author

RANDY L. THURMAN, CFP®, CPA/PFS, is CEO of Retirement Investment Advisors, Inc. He has been researching and applying investment strategies since 1986, specializing in helping those who have retired (or are about to retire) have a comfortable income for life. He has taught investing, personal finance, and economics at the college level and is a speaker at conferences, workshops, and on broadcast media, with appearances on Fox News network’s Fox on Money and as the former host of the weekly radio program Money Talks.

Together, Randy and his firm have been cited as among the best in the United States more than thirty-eight times in national publications, including Worth, Bloomberg Wealth Manager, Financial Times, Financial Advisor Magazine, Medical Economics, Expertise.com, and Advisory HQ.

Product details

  • ASIN ‏ : ‎ B09YJ73KRY
  • Publisher ‏ : ‎ ForbesBooks (May 3, 2022)
  • Publication date ‏ : ‎ May 3, 2022
  • Language ‏ : ‎ English
  • File size ‏ : ‎ 9436 KB
  • Text-to-Speech ‏ : ‎ Enabled
  • Screen Reader ‏ : ‎ Supported
  • Enhanced typesetting ‏ : ‎ Enabled
  • X-Ray ‏ : ‎ Enabled
  • Word Wise ‏ : ‎ Enabled
  • Print length ‏ : ‎ 243 pages
  • Customer Reviews:
    4.5 4.5 out of 5 stars 358 ratings

About the author

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Randy L. Thurman
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Randy L. Thurman, CFP®, CPA/PFS, has been researching and applying investment strategies since 1987, and is founder and co-president of Retirement Investment Advisors, Inc. (RIA). He holds four degrees, including an MBA from Oklahoma State University, and has taught investing, personal finance, and economics at the college level.

Randy has been included six times on Worth magazine's annual list of Top Financial Advisers in the country, four times on Medical Economics' list of Best Financial Advisers, and three times on the Best of the U.S. list of Best Financial Advisors in the country.Oklahoma Magazine has twice named him among Oklahoma's Top Financial Advisors, and in 2011 assigned him the designation of 5 Star Wealth Manager. In 2012 he was the recipient of the Oklahoma Society of CPAs award for Outstanding CPA in Financial Planning.

In 1990 Randy founded his firm, Financial Planning Company of Oklahoma, which in 1997 merged with RIA. He continues today as co-president and chief financial officer. Under his leadership the firm has been recognized nationally and regionally for excellence. RIA was featured five times in Forbes Magazine with Goldline Research's annual recognition of Leading Wealth Managers in the United States and the Central United States, and in 2008 made its list of The Ten Most Dependable Wealth Managers of the Central U.S. Bloomberg Wealth Manager Magazine has listed RIA four times among its Top Wealth Managers, and twice in its Wealth Manager Top Dog Report.

Randy L. Thurman is the author of three books and an extensive list of articles on financial planning, investing, and business ethics. Publications include CPAFocus, Medical Economics Magazine, NW Style Magazine, Slice, Metro Journal, The Oklahoman, and others. He is much sought after as a speaker for conferences, workshops, and broadcast media, including appearances on Fox News Network's Fox on Money.

Customer reviews

4.5 out of 5 stars
358 global ratings

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Customers say

Customers find the book provides good advice on asset allocation and retirement planning. They find the information practical and easy to understand. The book is described as straightforward and accessible, with helpful steps to build a portfolio. Readers describe it as a must-read and worth their time. The book provides suggestions for proper portfolio diversification to ensure long-term performance.

AI-generated from the text of customer reviews

87 customers mention "Advice"87 positive0 negative

Customers find the book provides good advice on asset allocation and retirement. It offers practical steps and clear data to support portfolios after retirement. Readers describe it as the best financial planning asset allocation book they have ever read. The book is organized, compelling, and interesting, though some find the technical content a bit technical.

"...to set sail into all kinds of weather, The longitude and latitude of investing after you retire, Designing your all-weather retirement portfolio...." Read more

"...But because he has been so thorough in this research, his portfolio recommendations should last 40 years through all of the market ups and downs...." Read more

"CPA here, this is the best financial planning asset allocation book I have ever read. I have read it 3 times since getting it two weeks ago...." Read more

"...Kudos to you Randy for putting in the hard work and providing the results backed by data. Good luck to all!..." Read more

54 customers mention "Ease of reading"54 positive0 negative

Customers find the book easy to read and engaging. They appreciate the well-organized information and strategies for investing money. The author provides a clear, straightforward guide for beginners without being overly technical. They like that it includes helpful steps like building a portfolio.

"...Solid, well written very accessible book, this, and finally a reliable guide to surviving in what we all fear to be the 'winter of our discontent':..." Read more

"...already retired about a year ago, so I found this book helpful on how to plan my portfolio for the best distribution methods and percentages..." Read more

"...I have already started to implement the insightful and carefully thought-out strategies (which use data to backup the strategy)...." Read more

"Easy read, with clear data to support portfolio after retirement. I would recommend this book...." Read more

48 customers mention "Readability"48 positive0 negative

Customers find the book easy to read and well worth their time. They say it's a good guide for retirement portfolios, with helpful recommendations for further reading. The information is organized and persuasive, making it a great product that helps put their minds at ease.

"...knowledge of the financial aspects of retiring reassure us that his book is wise and well worth heeding...." Read more

"...All in all the book is an interesting read and definitely helpful." Read more

"Long book... but it satisfacing reading to build your own all weather retirement portfolio...." Read more

"...Great read as I have gained a lot of knowledge about income purpose investing." Read more

17 customers mention "Diversification"17 positive0 negative

Customers appreciate the book's guidance on diversifying a portfolio. It provides examples and explanations of how finances work. The presentation is methodical and academic, providing a nice overview on balanced portfolios. The book also explains multi-asset allocation of non-correlated asset classes and regular rebalancing.

"...Randy did all the hard work and tested the various asset mixtures from 1926 - 2019 to optimize a portfolio that would withstand an initial 5.5%..." Read more

"...good information in this book regarding asset allocation, diversifying your investments, recommended percentages to invest in each asset class, etc...." Read more

"...are important for long-term retirement income, and describes different investing styles...." Read more

"...There are example portfolios and explanation on how finances in the world work now, and how to keep an eye on thriving and growing economies...." Read more

Readable, backed by data
5 out of 5 stars
Readable, backed by data
Randy Thurman has really done his homework to offer up data-backed recommendations for retirement. No sexy homerun-hitting fad theories here! This book is a step-by-step presentation laying out what he recommends and why based on crazy detailed historical market analysis. This is written in a readable style although you need to be a little nerdy to get into it (guilty!). The chapters are short and easy to read in one sitting.I kept waiting for the sales pitch or a self-promotion but you won't find one here (besides contact info for his firm in front of the Table of Contents see pics). This book is worth it just for Chapter 9 on asset allocation and Chapter 12 on how to find a great financial advisor.If you are nearing retirement or already retired or your parents are retired you should read this book and then have a discussion with your financial advisor. Highly recommend!
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Top reviews from the United States

  • Reviewed in the United States on February 7, 2018
    Oklahoma author Randy L. Thurman, with four degrees to his credit including an MBA from Oklahoma State University, has taught investing, personal finance, and economics at the college level as well as researching and applying investment strategies as founder and co-president of Retirement Investment Advisors, Inc. (RIA). He is considered on of the nation’s Best Financial Advisors. Randy frequently contributes articles on financial planning, investing and business ethics to publications such as CPAFocus, Medical Economics Magazine, NW Style Magazine, Slice, Metro Journal, The Oklahoman and has been a guest on Fox News Network's Fox on Money.

    Randy’s premise is shared in his Introductory comments – ‘Imagine how it would feel if you could sail through your retirement years, confident you’d done all you could do to have a worry-free income for life, regardless of the economic storms ahead. Imagine the peace of mind you’d have as you turn 65, 70, 85, and beyond, if you knew your money was working as hard as you did during your working years, so you’d have an inflation-protected income for as long as you live. If I could show you how to create a portfolio that would turn those imaginings into reality, would you be willing to spend a few hours learning how to do it? I’m betting you would—and it’s my belief that you deserve to stop worrying about your future so you can go out and enjoy your retirement. That’s why I’ve created a step-by-step approach to investing your money when it’s time to retire, so you can create what I call an All-Weather Retirement Portfolio.’

    In this unique (yes, it is unique in that it is a well researched – and experienced) book Randy strikes the gong on that terrifying aspect of survival after retirement. As he states,’ If you’re already retired, you might feel like investing is one huge gamble. You may feel you should protect your principal no matter what, especially since you don’t really know how many years you’ll need the income it provides. Consequently, you might feel safest investing primarily in certificates of deposit, money markets, or government bonds. These types of investments do offer a guarantee of principal (if you hold on to them until they mature). Unfortunately, the dollars you invest in them don’t hold their purchasing power. And if you live as long as we all hope you’ll live, this is a formula for disaster. In the pages that follow I’ll show you exactly how these investments have fared in the past, when the financial environment was excellent for vehicles like this—and I’ll compare their performance to that of other types of investments available to you.’ His knowledge of the financial aspects of retiring reassure us that his book is wise and well worth heeding. He explains ‘How to invest, no matter what happens in the outside world, to maximize the probability you will have a worry-free income for life. ▪Why investing for income is different from investing to accumulate a retirement fund.’

    Randy shares his personal history and divides his book of advice into four parts – Preparing to set sail into all kinds of weather, The longitude and latitude of investing after you retire, Designing your all-weather retirement portfolio. and Ready to set sail (with an advisor you can trust, etc).

    Solid, well written very accessible book, this, and finally a reliable guide to surviving in what we all fear to be the 'winter of our discontent': Randy makes the sailing into good weather of retirement available! Grady Harp, February 18
    18 people found this helpful
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  • Reviewed in the United States on January 17, 2024
    So many books are available on how to get ready for retirement, but not so many for when you've actually taken the plunge (or are just about to do so). I've already retired about a year ago, so I found this book helpful on how to plan my portfolio for the best distribution methods and percentages (which he goes over in detail).
    I also especially liked that this author was not so unrealistic or arrogant to think that his portfolio would be perfect under any retirement situation. Instead, he left the door open for some variation and reminded us that no one has a crystal ball on the market and the economy. But because he has been so thorough in this research, his portfolio recommendations should last 40 years through all of the market ups and downs. He also does a great job in sharing that research, in summary form, with the reader. And unlike so many other books, this one is not just a sales pitch for you to hire him or his firm. In fact, he gives good solid advice on how to find a good personal financial advisor if one is desired.
    All in all the book is an interesting read and definitely helpful.
    12 people found this helpful
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  • Reviewed in the United States on August 25, 2024
    CPA here, this is the best financial planning asset allocation book I have ever read. I have read it 3 times since getting it two weeks ago. I have already started to implement the insightful and carefully thought-out strategies (which use data to backup the strategy). This book is going to be given out by me as a gift for friends and family. This book is well written and easy to follow no matter what your level of financial sophistication. If you are serious about handling your own asset allocation planning, or want to understand the strategy of your own financial advisor, get this book. After reading this book I want to go for my Personal Financial Specialist license like Randy. He is a CFP, CPA/PRS. While this book is near perfect, at least to me, I hope there is a follow-up book because there are a few other areas/data points off the top of my head I would like to hear Randy’s thoughts on how 2022/2023 effects the data of both equity and bonds, more about cash as part of the asset allocation (70/30/#?), more data on large cap growth vs value with dividends considered, same for small cap growth vs value, how a mid cap allocation would impact “The All-Weather Retirement Portfolio”)
    5 people found this helpful
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Top reviews from other countries

  • Peaches
    5.0 out of 5 stars Five Stars
    Reviewed in Canada on December 7, 2017
    Great information

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